Cheapest Car Insurance For College Students in Georgia 2025

Securing affordable car insurance in Georgia can be especially tough for college students, particularly those who already have a driving record. Statistics show that nearly 18% of speeding drivers involved in crashes in Georgia had a prior speeding conviction within the past five years, a factor that insurers use to justify higher premiums for young drivers.

Because college students are often less experienced and more likely to engage in risky behaviors, providers tend to raise rates significantly when a record is involved. Still, there are practical ways to cut costs. From enrolling in defensive driving courses and maintaining good grades to installing anti‑theft devices or staying on a parent’s policy, Georgia college students can take steps to reduce premiums and make coverage more affordable.

Best Car Insurance Companies For College Students In Georgia

When selecting car insurance for college students in Georgia, you need to consider your priorities and pick a policy that matches your needs, whether that is low rates or comprehensive coverage.

Use the table below to see our picks for the best auto insurers for students in Georgia.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Cheapest Liability-Only Car Insurance For College Students In Georgia

Minimum coverage policies are often an effective way to decrease overall costs, but can leave you vulnerable in an accident. These low-cost plans will only cover the state minimum insurance needed to operate a vehicle, which means paying expenses out of pocket.

Minimum coverage policies are great options for college students as they provide the insurance needed to drive legally while keeping costs low.

As you can see from the table below, Country Financial is the cheapest average option at $432 per year.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Cheapest Full Coverage Car Insurance For College Students In Georgia

College students who commute to campus or routinely drive for work should consider a full coverage policy over minimum coverage. These plans offer additional protection, often including liability, comprehensive, and collision coverage.

While the full coverage policies offer more protection, they come at a higher cost. It’s essential to weigh the benefits of the additional insurance against the extra monthly cost.

Georgia Farm Bureau is the cheapest full coverage car insurance policy for students in Georgia, at an average annual rate of $1,884.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Cheapest Car Insurance For College Students With Low-Mileage In Georgia

If you’re a college student who doesn’t plan on driving much throughout the school year, there’s no reason to pay for insurance you don’t need. While you’ll still need to maintain the state minimum auto insurance, most low-mileage policies offer discounted rates if you stay below a certain number of miles yearly.

The limit will vary between insurance companies but is usually around 7,500 to 10,000 miles annually.

Use the table below to view the cheapest low-mileage rates for college drivers in Georgia.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Cheapest Car Insurance For College Students With Driving Violations In Georgia

Driving violations can significantly increase the amount a driver pays for monthly coverage, regardless of age. College students will likely experience an even more significant rate increase after an accident or ticket due to their already high-risk rating.

One way to mitigate the damage of a driving violation is to work with a company like Georgia Farm Bureau that specializes in insuring motorists with a history of tickets or accidents.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For College Students In Georgia – By City

Where you live in Georgia can have a significant impact on your car insurance premiums.

Use the table below to view average rates for different cities in Georgia.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For 18-Year-Old College Students In Georgia

Auto-Owners offers the cheapest rates for 18-year-old college drivers in Georgia, at an average monthly cost of $190.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For 19-Year-Old College Students In Georgia

Allstate provides the cheapest policy for 19-year-old college students in Georgia, averaging $160 per month.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For 20-Year-Old College Students In Georgia

The cheapest auto insurance rates for a 20-year-old college driver can be found with Allstate, averaging $139 per month.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For 21-Year-Old College Students In Georgia

The most affordable college student car insurance policy for a 21-year-old can be found at Allstate, with an average monthly cost of $126.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For 22-Year-Old College Students In Georgia

22-year-old student car insurance can be found from $119 per month, with an Allstate auto policy.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For 23-Year-Old College Students In Georgia

23-year-old college drivers can find affordable insurance from Allstate at an average monthly cost of $116.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For 24-Year-Old College Students In Georgia

The cheapest car insurance policy for a 24-year-old college student is $99 per month, which can be found with Allstate.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For 25-Year-Old College Students In Georgia

Allstate offers the cheapest auto policies for 25-year-old college students in Georgia at $97 per month.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance On Family Policy Vs. Individual Policy

* These figures are estimates based on general market trends, and they may differ from your actual rate.

How Can College Students Save Money On Car Insurance In Georgia

Car insurance premiums in Georgia can be especially high for college students, but there are several strategies to help reduce costs. By combining discounts, smart vehicle choices, and safety upgrades, students can make coverage more affordable.

Student-Specific Discounts

Academic performance and responsible driving can directly lower premiums. Georgia insurers often provide:

• Good student discounts for maintaining a B average or higher
• Distant student discounts if you attend school far from home and leave your car behind
• Safe driver discounts for keeping a clean driving record free of accidents and violations

Vehicle Safety And Security Features

Georgia has seen a sharp rise in traffic fatalities, with distracted and drowsy driving contributing to many crashes. Installing safety features can reduce risks and lower premiums:

• Anti-lock brakes help prevent skidding during sudden stops
• Airbags reduce injury risk in accidents and can lower medical coverage costs
• Daytime running lights or anti-theft devices may also qualify for discounts

Affiliation Discounts

Membership in certain organizations can unlock savings. For example:

• GEICO offers around 3% discounts for sorority, fraternity, or alumni association members
• Liberty Mutual provides special policy features for educators and affiliated groups
• Other insurers may extend discounts to honor societies or campus clubs

Choosing Between Used And New Cars

While new cars may seem appealing, insurers often view them as higher risk—especially those with powerful engines that encourage speeding. In Georgia, speeding-related crashes account for 78% of serious injuries and fatalities, with 18% of drivers receiving speeding convictions annually. Opting for a reliable used car can help reduce premiums and avoid these risk factors.

How To Buy Car Insurance As A College Student In Georgia

For Georgia college students, purchasing car insurance for the first time can feel overwhelming. Thankfully, platforms like Insuranceopedia make the process easier by letting you compare rates, deductibles, and premiums from multiple providers in one place.

Step 1: Gather Essential Information

Before requesting quotes, collect all the details you’ll need:

• Vehicle information (VIN, make, and model)
• Driver’s license number
• Driving history
• Personal data for anyone else on the policy

Having this information ready ensures accurate quotes and avoids delays.

Step 2: Understand Coverage Requirements

Georgia law requires minimum liability coverage, but you may want to add collision, comprehensive, or higher coverage limits depending on your car’s age and value. Optional add-ons like gap insurance or roadside assistance can provide extra protection but will increase premiums.

Step 3: Compare Multiple Quotes

Review at least three quotes from different insurers. Online platforms allow you to enter your information once and instantly see how different companies stack up, including discounts that may apply to your situation.

Step 4: Decide How You’ll Purchase

Choose whether you’d prefer buying online or working with a local agent. Online shopping is fast and convenient, while agents can provide personalized guidance—but some may charge service fees.

Step 5: Purchase And Transition Smoothly

Once you’ve chosen the best policy, complete the purchase online or through an agent. After paying your first premium, you’ll receive proof of coverage and your insurance card. If you’re switching providers, notify your old insurer to avoid billing overlaps.

Do College Students Need Their Own Insurance, Or Can They Stay On A Parent’s?

For Georgia college students, whether you need your own car insurance or can remain on a parent’s plan depends on two key factors: vehicle registration and residence.

Registration

If your vehicle is registered solely in your name—or if you are leasing or financing a car—you’ll need to carry your own policy. By contrast, if the car is registered under your parents’ name, you can typically remain on their insurance plan, which often reduces costs.

Residence

Students who maintain their parents’ home as their permanent address can usually stay on a parent’s policy, even if they temporarily live in a dorm or apartment while attending college. This applies whether you study in Georgia or out of state. However, once you establish your own permanent residence and keep your car there full-time, insurers generally require you to purchase a separate policy.

Georgia Car Insurance Laws To Know

Georgia requires that all drivers maintain liability insurance at $25,000 per person and $50,000 per incident, as well as $25,000 for property damage. Georgia state law does not require that physical damage coverage be purchased; however, if you lease or finance a vehicle, the lender or leasing company may require it.

Drivers in Georgia can purchase uninsured motorist coverage in addition to minimum coverage amounts, which can protect them in the event that another driver with whom they have an accident is uninsured, but this is not a legal requirement.

Georgia has a comparative negligence rule, and that means that if you are less than 50% at fault in a car accident in Georgia, you can get compensation from the other party. However, compensation amounts from the insurance provider of the other party are reduced based on the percentage at fault that you are found.

Compare College Student Rates To Other U.S. States

* These figures are estimates based on general market trends, and they may differ from your actual rate.